LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

Announcements

  • Our Benefits Administration division has their own website. Click here if you are looking for the LD&B Benefits Card Login.
  • We are hiring! Click here to view our open positions.

Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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Health Insurance

Protecting you and your family through all stages of your life.
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Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
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Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
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Recent News & Updates

5 Ways To Digitize Your Old Home Movies

Posted: December 11, 2019

Memories stay with you for life. But old tapes and film reels aren’t designed to hold them for nearly as long. It’s true that film, VHS tapes, and DVDs can preserve your home movies for years (or decades) in the right environment. But even if they’re stored in a cool, dry place, the materials can deteriorate – leaving your memories irretrievable. Thanks to modern technology,...

Liquor Liability Insurance Vs. Brewery/Vineyard/Distillery Insurance

Posted: December 4, 2019

Both the popularity and number of craft breweries, vineyards, wineries, and distilleries are on the rise in the U.S. However, these types of businesses can have complicated insurance needs. Any establishment that has a tasting room or serves alcohol needs liquor liability insurance, but that is only the beginning of the coverage you may need. Our knowledgeable agent can help ensure you have the right...

7 Safety Tips For Hanging Holiday Lights

Posted: December 4, 2019

The holidays are here, and all is merry and bright. Before you string the lights, consider these quick safety tips. Light check: Before hanging lights, check for frayed wires and throw them out if anything is exposed. Also replace any missing or burned out bulbs. Look for the “UL®” stamp: Red UL® stamps mean lights are safe for indoor and outdoor use. Green UL® stamps...

Choosing, Transporting, & Caring For A Live Christmas Tree

Posted: December 2, 2019

There's something about the experience of cutting down your family's own Christmas tree that starts the holiday season. But did you know there's a lot to know about live trees? From choosing one to transporting it home and keeping it fresh through the holiday season, there's something we can all learn. That's why we've called in an expert. Richard Palmer, the third-generation owner of Palmer...